USAA vs GEICO - Which Car Insurance is Cheaper?

If USAA and GEICO are two of your top car insurance company picks, you'll want to compare reviews from other consumers who have actually purchased coverage from these carriers. Unbiased third-party surveys such as those provided by J.D.Power can help consumers choose a company based on actual customer opinions.

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USAA and GEICO Compared

  USAA Ratings GEICO Ratings
Policy Offerings USAA Policy Offerings GEICO Policy Offerings
Pricing USAA Pricing GEICO Pricing
Billing and Payment USAA Billing GEICO Billing
Contacting the Insurer USAA Support GEICO Support
Overall Satisfaction USAA Satisfaction GEICO Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

USAA scored higher GEICO on policy offerings. This translates to mean GEICO offers fewer coverages than USAA. Comanies that offer more policies and coverages may make it easier for you to bundle your protection with the same company.

USAA and GEICO Price Comparison

On pricing, USAA scored higher than GEICO. This doesn't necessarily mean that USAA will always have lower car insurance prices as GEICO. USAA may have the lowest rates in your area, but you need to get quotes from GEICO to verify the lowest cost.

USAA vs GEICO - Which Car Insurance is Cheaper?

Car insurance companies can be selective as to which drivers receive the best rates, so get a car insurance quote to compare the lowest rates for companies in your area. USAA or GEICO may have the best rates, but you may be surprised by the rates of other companies as well.

USAA scored higher than GEICO on billing and payment satisfaction. Companies can score higher on this rating if they offer more flexible payment options such as quarterly payments or pay-in-full discounts.

Having multiple contact methods is important in case of a claim or when you need a coverage review. Policyholders of USAA rated the ability to contact the company better than GEICO.

How to Choose the Best Company

Do more overall stars really mean a company is good or bad? The overall satisfaction rating of USAA shows more stars than GEICO, but different consumers have different experiences with the same company.

How To Effectively Compare Car Insurance Rates

  • Not filing small claims can earn you a claim-free discount on your car insurance
  • Every year, shop your car insurance coverage around to find the lowest rate
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it
  • Higher physical damage deductibles mean less premium paid
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